Business insurance for Personal trainers

The passion of a personal trainer (PT) or fitness instructor is to help people become fit, but sometimes accidents happen – business insurance helps put things right.

If a client injures themselves in a training session with you or during your body pump class, they could bring a liability claim against you. You might even sustain an injury yourself that could prevent you from working.

Whether you operate as part of a fitness business or are a self-employed PT, you can tailor insurance specifically to your circumstances.

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Why choose Hiscox for personal trainer insurance?


Save time and moneyOur new combined professional, treatment and public liability policy includes multiple types of protection for PTs


Specialists who understand

Speak to a dedicated claims team who understand the common risks for PTs


Support that goes above and beyond

Our media and PR support could help your PT business to manage risk. You can also access help through our Business Support Hub

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Why do personal trainers need insurance?

Injured clients

As a personal trainer, you design fitness plans that require attention to detail, but you can’t control every scenario. Your client might say a muscle tear they’ve sustained is due to a weight routine you advised or even your instruction during a body pump class. You may not have been there at the time, but if they were training on your advice you may face a negligence claim. PT insurance tailored with combined professional, treatment and public liability insurance could help with legal and compensation costs.

Personal injury

You might hurt yourself teaching a spin class, during a session on the gym floor or even have an accident at home that’s unrelated to training. No matter the cause, being injured can damage your earnings as a fitness instructor or personal trainer. Creating a package of cover that includes personal accident insurance means we’ll be there to help with expenses during your recovery time. This assistance can help you to focus on getting better without worrying about finances.

Broken equipment

You provide a quality service for your clients, so you also use specialised kit that needs looking after. Your client could break a brand new TRX system during a session. On top of that, you rely on technology to organise training – so if you drop and smash your phone, you can’t book sessions. A policy that includes portable equipment insurance could help with replacements and repairs, so you can continue being the personal trainer your clients need with minimal disruption.

What insurance is available for personal trainers?

Personal trainers can buy certain covers as part of a combined product – professional, treatment and public liability insurance. This brings together elements of professional treatment liability insurance and public and products liability, which helps against claims over bad advice.

A range of Hiscox policies could be used to create a robust package of cover for a personal trainer including employers’ liability insurance, a commercial property policy and insurance for your equipment.

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These are just some of the types of business insurance for personal trainers that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.

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Insurance for personal trainers: FAQs

Do personal trainers need insurance for training clients outdoors?

Your PT insurance package may cover you wherever you train your clients, since it can be tailored to your circumstances. Therefore, if you coach clients in outdoor public spaces, such as parks or playing fields, you will be able to include a combined professional, treatment and public liability policy which may provide cover if a member of the public trips on a skipping rope. Equipment insurance could help ensure your kit is also covered if damaged.

What insurance do I need for my personal training equipment?

Without your equipment, from medicine balls to resistance bands, you’re unable to carry out your job properly or provide the best service. This is why it could be useful to cover your kit with a portable equipment insurance policy so items can be quickly replaced or repaired.

When you’re calculating how much personal trainer insurance is, there are lots of things to consider, including the value of your equipment.

Do you need insurance to teach fitness online?

Personal trainers will often find they gain reassurance from having business insurance to teach fitness, even if this happens solely online. This is because many of the risks that come with working as a personal trainer are still present online – your equipment such as your laptop could become damaged and need repair, you could be injured and unable to work or a cyber-attack could target your email account or systems.

Employers’ liability insurance could also be a legal requirement (external link) if you employ someone else as part of your online fitness instructor business. This rule could apply whether they work as a PT or something else.

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What is professional negligence?For professionals considered experts in their field, claims of professional negligence can be a concern. Discover more about the term and how it might affect you with this article.

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How much does business insurance cost?

Read our FAQ guide to the cost of business insurance to understand how quotes are calculated – and where to set your cover limit.


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